The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$31,004
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,968
−HK$980/mo
Today · 4.125%
HK$32,948
baseline
▲ 0.50% · 4.625%
HK$34,953
+HK$2,005/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$65,896/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,492
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,417
−HK$938/mo
Today · 4.125%
HK$36,355
baseline
▲ 0.50% · 4.625%
HK$38,271
+HK$1,916/mo
Deposit HK$6.80M · loan HK$6.80M · min. income ≈ HK$72,710/mo (50% DSR)
Upfront cash ≈ HK$7.31M (deposit + AVD stamp duty HK$509,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,205
−HK$2,333/mo
▼ 0.25% · 3.875%
HK$38,362
−HK$1,176/mo
Today · 4.125%
HK$39,538
baseline
▲ 0.50% · 4.625%
HK$41,944
+HK$2,406/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$79,076/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,390
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$42,500
−HK$1,126/mo
Today · 4.125%
HK$43,626
baseline
▲ 0.50% · 4.625%
HK$45,926
+HK$2,300/mo
Deposit HK$5.44M · loan HK$8.16M · min. income ≈ HK$87,252/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$509,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,406
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,756
−HK$1,371/mo
Today · 4.125%
HK$46,127
baseline
▲ 0.50% · 4.625%
HK$48,934
+HK$2,807/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$92,254/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,288
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,583
−HK$1,314/mo
Today · 4.125%
HK$50,897
baseline
▲ 0.50% · 4.625%
HK$53,580
+HK$2,683/mo
Deposit HK$4.08M · loan HK$9.52M · min. income ≈ HK$101,794/mo (50% DSR)
Upfront cash ≈ HK$4.59M (deposit + AVD stamp duty HK$509,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,807
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,543
−HK$1,764/mo
Today · 4.125%
HK$59,307
baseline
▲ 0.50% · 4.625%
HK$62,915
+HK$3,608/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$118,614/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,085
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,750
−HK$1,689/mo
Today · 4.125%
HK$65,439
baseline
▲ 0.50% · 4.625%
HK$68,889
+HK$3,450/mo
Deposit HK$1.36M · loan HK$12.24M · min. income ≈ HK$130,878/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$509,877 · Scale 2, in force from 26 Feb 2026)